Balance transfers

Balance transfers are one way to consolidate your debt and give yourself some breathing space. By transferring a balance to NAB, you'll benefit from a transfer rate where you'll pay less interest.

NAB Premium Card

0% p.a. on purchases + 0% p.a. on balance transfers for 15 months.

(A one off 3% balance transfer fee applies. BT reverts to cash advance rate after promotional period.)

Apply by 22 January 2017. Minimum monthly repayments required.  

NAB Low Rate Card

0% p.a. on purchases + 0% p.a. on balance transfers for 15 months.

(A one off 3% balance transfer fee applies. BT reverts to cash advance rate after promotional period.)

Apply by 22 January 2017. Minimum monthly repayments required. 

NAB Low Fee Card

0% p.a. on purchases + 0% p.a. on balance transfers for 15 months.

(A one off 3% balance transfer fee applies. BT reverts to cash advance rate after promotional period.)

Apply by 22 January 2017. Minimum monthly repayments required.
 

Information about balance transfers

If you're considering a balance transfer, there's several things you need to know.

Apply with any NAB credit card

Already got a NAB credit card?

  • You don't need to apply for a new credit card to transfer a balance.
  • Please contact us for information about balance transfers for existing NAB credit card customers.

When you apply

We'll ask you:

  • Who your current non-NAB credit card or store card is with
  • The card number(s)
  • The amount you'd like to transfer onto your new NAB card.

Transfer as little as $200 from one or two cards

  • You can transfer balances from one or two non-NAB cards. Each amount needs to be at least $200.

Balance transfer rates last for a limited time

  • At the end of the balance transfer period any of the transfer amount you haven't paid off shifts to the cash advance rate for your card.
  • See our current balance transfer rates and purchase interest rates on our credit card home page.

Important information

There are no interest-free days on purchases while you have a balance transfer.

Balance transfer terms and conditions

How much could you save?

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